- President and Chief Executive Officer
- Executive Vice President and Senior Vice President
- Vice Presidents of Each Division
Credit Union Management
President and Chief Executive Officer
Mr. Ernest holds a BA, Economics from San Jose State University and an MBA from St. Mary's College, Moraga, CA. He is also a graduate of the Credit Union Executive Society's CEO Institute.
Mr. Ernest began his career in the savings and loan industry and worked in banking and credit unions for over 25 years. Prior to working for Provident, Mr. Ernest was Vice President and Director of Mortgage Operations at Continental Savings of San Francisco, and managed the mortgage operations for a commercial bank. He was an advisory member of the Fair Lending Consortium of the Bay Area, a member of Freddie Mac's National Credit Union Advisory Council and a member of the National Advisory Council for the CUNA Mutual Mortgage Insurance Company. He is currently on the Board of Directors of Easter Seals Bay Area (ESBA) and is the Finance Committee Chair.
Senior Vice Presidents
Fred Gomes, Senior Vice President
Bachelor degree from University of California, Davis and MBA from California State University, Chico, CA.
Mr. Gomes is a CPA and has 21 years credit union experience with public accounting firms of O'Rourke Sacher and Moulton and McGladrey & Pullen with the last eight years as partner in the Brisbane, California office. His background is in credit union accounting systems, human resources and all areas of operations. Mr. Gomes also serves on the Board of Directors of the San Mateo County Community College Foundation.
Finance, Information Technology, Risk Management and Projects divisions.
Heidi Parks, Senior Vice President
Bachelor of Business Administration from Simon Fraser University, B.C. Canada and an MBA with honors from St. Mary's College, Moraga, CA. Graduate of CUES CEO Institute program. Lean Six Sigma Green Belt certified.
Previously employed for 10 years as the Vice President of Marketing for Delta Credit Union (now Envision Credit Union) in Vancouver, Canada. Served as a credit union marketing manager for the prior six years. Has a total of 34 years of experience in the credit union industry.
Marketing, advertising, business development, corporate communications activities and research, strategic planning, Lean Six Sigma program/projects, Contact Center, Web site, financial planning, insurance, and human resources.
Vice Presidents of Each Division
Connie Finch, Vice President of Information Technology
39 years experience in technology, including programming, business systems analysis, project management, database management, network management and security. Ms. Finch has served as a technology client advisory board member for Ongoing Operations and ACI Worldwide.
All aspects of information technology, telecommunications, development operations and network security.
John Haggarty, Vice President of Marketing and Digital Experience
Bachelor of Arts degree (Economics), University of California Los Angeles, Master of Business Administration with an emphasis in Marketing from the University of San Francisco
Mr. Haggarty has over 19 years of experience in the financial services industry ranging from sales and business development to marketing and advertising.
Marketing, advertising, business development, corporate communications, brand management, and product development, online and mobile banking.
Christine Keane, Vice President Risk Management
38 years of financial institution experience, including operations, information technology, training, audit, fraud investigation, regulatory compliance, and risk management.
Risk management, regulatory compliance, audits, fraud investigation.
Jennifer Lee, Chief Financial Officer
Bachelor of Science, Santa Clara University, Executive MBA Candidate, Santa Clara University
Served as Director for McGladrey & Pullen, providing audit and consulting services for Credit Unions in the western region for 12 years. Vice President/Controller for two years at Technology Credit Union.
Accounting, Finance, Account Services, Card Services, and Facilities.
Greg McCurdy, Vice President of Lending and Chief Lending Officer
Mr. McCurdy holds a bachelor's degree in Accounting from Utah State University and will complete his Masters of Business Administration in spring of 2019. He is Lean Six Sigma Green Belt Certified.
Mr. McCurdy began his career in the Savings and Loan industry and has been involved in residential and apartment lending for over 30 years. Prior to coming to Provident, he was the director of acquisitions and structured financing for the Lembi Group, an apartment acquisition company in the bay area. Prior to that, he was the Broker of Record, Manager and an MLO for HomeOwners Finance Center and before that; he was the Vice President of Secondary Marketing, East Bay Regional Sales Manager and Director of Strategic growth for Continental Savings of America.
Real Estate and Consumer Lending (both Production and Operations), Loan Servicing, Collections, Secondary Marketing, Lending System Administration, and Records.
Shalini Narayan, Vice President of Service Quality and Training
Bachelor of Science from University of California, Davis and Master of Business Administration from the Graduate School of Management at the University of California, Davis.
Over 15 years of experience in the financial services industry including marketing/ advertising, product management, and learning and development.
Service Quality and Training.
Paul Reilly, Vice President of Branch Sales and Operations
Graduate of the Credit Union Executive Society's CEO Institute, Lean Six Sigma Green Belt, and FAA certificated instructor. MBA student at St. Mary's College, CA.
Paul began his banking career in the savings and loan industry, and has worked in financial services for over 20 years. Prior to working for Provident, Paul was the Operations Manager at Pan American Bank, FSB. During his spare time, Paul is a Civil Air Patrol volunteer.
Jim Traceski, Vice President of Human Resources
Bachelor of Sciences (Marine Biology), Brown University
Mr. Traceski has over 30 years of Human Resources and Training experience in the US Navy, high tech industries, and professional services organizations.
Human Resources, Recruitment, Employee Relations, Payroll, Benefits, Safety & Workers' Compensation.
Board of Directors
Lawrence Teshara, Chairman
Mr. Teshara has been a member of Provident's Board of Directors since 2005 and previously served on the Supervisory Committee for four years. Mr. Teshara is a career educator having worked over fifty years in San Mateo County schools. He served as a teacher and counselor for ten years, as Assistant Principal of Aragon High School for five years and as Principal of Burlingame High School from 1983-1997, and the Director of Adult and Community Education for the San Mateo Union High School District until his retirement in 2017.
Mr. Teshara previously served on the state Board of Directors for the Association of California School Administrators (ACSA) and on the San Mateo County Workforce Investment Board. Mr. Teshara is a past President of ACSA Region 5, representing San Francisco and San Mateo Counties. In 2012 he received the California Adult Education Administrator of the Year award. He is the recipient of the San Francisco Bay Area Council's Silver Beaver Award for "Distinguished Service to Youth".
David Pelzner, Vice Chairman
Mr. Pelzner has been a partner with the public accounting firm of Pelzner and Associates, a privately held tax and accounting firm in Burlingame, California, for the past 16 years. Before Pelzner and Associates, Mr. Pelzner worked four years at Deloitte and Touche, San Francisco, California. During his tenure, he was Senior Financial Auditor & Consultant.
Mr. Pelzner's educational background includes graduation from the University of California, Riverside with honors before becoming a Certified Public Accountant in 1999. Mr. Pelzner began his volunteer service at Provident in April of 2003 as an elected member of the Supervisory Committee. He was then elected to the Board of Directors in April 2005.
June Rothe, Secretary
Mrs. Rothe began her career in credit unions in the late 1970s, working as the Office Manager of CSEA Credit Union in Burlingame. In the mid-1980s, CSEA Credit Union merged with Provident Credit Union and Mrs. Rothe transitioned to this much larger credit union as a loan officer. In 1986, Provident's then President, Mrs. Ludelle Morrow, invited Mrs. Rothe to join her Executive Office team to become the Executive Assistant to the Board of Directors. After nine years of service to Mrs. Morrow and the Board of Directors, she retired from her position with Provident due to family demands.
In April of 1995, the Board requested that Mrs. Rothe return and she was elected to serve as a volunteer on Provident's Supervisory Committee. Her unique position of having worked within the Credit Union's operation provided her with an advantage not held by any previous volunteer. She served on the Supervisory Committee for six years and served as the Committee's Chair for two years. In April of 2001, she was elected to serve on Provident's Board of Directors and served as Chair of the Board from April 2007 to April 2009.
Samuel Johnson Jr., Treasurer
Mr. Johnson earned a BS in mathematics from Southern University in Louisiana and a MA in mathematics from Stanford University. He is Superintendent Emeritus of the San Mateo Union High School District (SMUHSD). His career spans forty-five years in service to Secondary and Higher Education, and he began his career as a mathematics teacher.
His administrative career includes successful service as Director of Human Relations, Assistant Principal, Principal, Director of Personnel, and Associate Superintendent of Human Resources-Administrative Services all in the San Mateo Union High School District, located in San Mateo, California. Before his retirement from the SMUHSD, he successfully led the passage of a $298 million bond measure to refurbish the district schools. Owing to his service to the District, the Board of Trustees voted to name the Capuchino High School Theater Complex in his honor.
He served recently, for nine years, as a member of the Board of Directors for the Silicon Valley Community Foundation; the last two of which he was the chair. He served as the Director of Administrative Services and Instructor at Notre Dame de Namur University, located in Belmont, CA. He has chaired more than twenty-five Western Association of Schools and Colleges (WASC) accreditation committees and served on many educational and community boards, locally and nationally. Mr. Johnson joined Provident's Board in April 2003 and previously served on the Credit Union's Supervisory Committee for six years.
Bob Lanzone, Director
Mr. Lanzone holds a BA from Queens College of the City University and a JD from the University of Santa Clara. He served as Provident's general legal counsel from 1977-2005 and has volunteered his service as a member of the Board of Directors since 2005.
Mr. Lanzone has been affiliated with several other community boards in the Bay Area including, the San Carlos Chamber of Commerce, the San Carlos Educational Foundation, and the Archdiocese of San Francisco. He has been practicing law for over 45 years and is a partner at Aaronson, Dickerson, Cohn, & Lanzone law firm in San Carlos. He is a past President of the San Mateo County Bar Association.
Janet Mathis, Director
Mrs. Mathis holds a BA from UC Santa Barbara, and a California Elementary Teaching Credential after completing the program at San Jose State University, and an MA in Curriculum Development and Supervision from University of San Francisco. Ms. Mathis worked in education for nine years and taught elementary school and managed special programs in the Santa Clara Unified School District. She consulted with the State Department of Education on Exemplary Programs.
After transitioning to high tech, she managed a local retail computer store then worked in outside sales and was Director of Sales Operations for a large personal computer company. Ms. Mathis served for three years on the Provident Supervisory Committee and has served for over thirty-seven years on the Board of Directors.
David Buckmaster, Director
Mr. Buckmaster has been in the interactive marketing and e-commerce field for more than 14 years. Currently, he is the Director of Sales for StrongMail, an industry leader in e-mail and marketing automation software. He has also held similar positions at ExactTarget and SilverPOP. Prior to that he was a Director of Marketing at Insweb, an online insurance company. Prior to Insweb he was a lobbyist for the Silicon Valley Manufacturing Group, a public policy trade association that represented 140 of the largest high tech companies in the Silicon Valley.
Mr. Buckmaster served as Mayor of the City of San Carlos and at that time was one the youngest elected officials in the nation. He received his BA in Political Science from Loyola Marymount University. Mr. Buckmaster has served on numerous boards, task forces, and commissions that reflect his interest in education, government, business, and children. Currently he is the Co-Chair and Class Representative for Loyola Marymount University's Class of 1994 and has served on the Board of Directors of Provident Credit Union since 2003.
Scott O'Brien, Director
Mr. O'Brien holds a degree in Business Administration from Loyola Marymount University and currently works at Cushman & Wakefield in Palo Alto where he is a Director. Mr. O'Brien has worked in commercial real estate since 2002 and has developed key relationships with property owners and business owners along the Peninsula and South Bay and has a strong knowledge base of the current commercial real estate environment. He previously worked in the technology industry in various sales and marketing roles. Mr. O'Brien was elected to the Provident Credit Union Supervisory Committee in April 2005, and after serving in that role for 13 years, was elected to the Board of Directors in 2018.
Christine Boland, Director
Ms. Boland, has been a member of Provident's Board of Directors since September of 2012 and previously served on the Supervisory Committee for seven years and is currently a consultant to several local government agencies. Prior to consulting, Ms. Boland worked for the City of San Carlos for nearly 20 years as it's Director of Parks and Recreation,Director of Community Relations and City Clerk, collectively.
Prior to that, she was clerk of the board for the San Mateo County Transit District and San Mateo County Harbor Commission. Ms. Boland holds a Master's degree in Public Administration from California State University, East Bay, degree in Business Administration from Notre Dame De Namur University and is a Certified Municipal Clerk.
George Descalso, Chairman
Mr. Descalso is a Principal at Edgewood Partners Insurance Center (EPIC), a commercial insurance brokerage located in San Mateo, CA. He has been a broker since 1983 and holds a BS degree in accounting from St. Mary's College of California, where he also minored in Health, Physical Education and Recreation, as well as playing baseball for the Gaels. Mr. Descalso has served on the Supervisory Committee since 2009.
Oliver Bouligny III, Vice Chairman
Mr. Bouligny III holds a Masters degree in Business Administration (MBA) from Tulane University in New Orleans, LA, and a BS degree in Accounting from Xavier University of Louisiana. Mr. Bouligny is the Owner/Broker of Premier Real Estate Services, a full service residential Real Estate Company headquartered in Hayward, CA. Mr. Bouligny has extensive training and experience in the area of Corporate Financial Planning and Analysis. He has senior level management experience in the areas of preparation, review and analysis of information associated with the monthly/quarterly close, annual budgeting/forecasting processes, long-range plans, acquisition/divestiture analysis, quarterly earning calls, and internal reporting processes and procedures.
He has also served as an Internal Audit Supervisor for a major international accounting firm (Deloitte). Mr. Bouligny was elected to the Provident Credit Union Supervisory Committee in June of 2013.
Scott McWhirter, Secretary
Mr. McWhirter attended the University of South Alabama and San Diego State University. He was the Manager of Shreve & Co. Jewelers in San Francisco for four years; Director of the Precious Jewels Salon, at Neiman Marcus, San Francisco for ten years; and General Manager of Coit Services in Burlingame for nine years. He is currently an owner of Tailored Living and Premier Garage of the Bay Area and serves as a volunteer for the Placerville Police Department. Mr. McWhirter has served on Provident's Supervisory Committee since April of 2005.
Andrea Kenter, Committee Member
Mrs. Kenter has been a member of the Provident Credit Union Supervisory Committee since April 2005. She holds a BS in Biology and a minor in Chemistry and German from the University of South Carolina. She also holds a BS in Nursing from Texas Woman's University in Dallas. After working in Labor and Delivery at Parkland County Hospital she transferred to Virginia Mason Hospital in Seattle and ultimately settled in the South Bay, working in the Operating Room at Good Samaritan Hospital in San Jose.
In 1993, she left hospital-based nursing and concentrated on community fundraising in several capacities in Silicon Valley for the last twenty-four years. She currently sits as a non-affiliated member of numerous local institutional committees that help oversee the humane care and use of laboratory animals used in biomedical research and teaching.
Rosanne Foust, Committee Member
As the President & CEO of the San Mateo County Economic Development Association (SAMCEDA), Ms. Foust is a leading voice of the business community in San Mateo County and across the Bay Area on issues important to maintaining a strong local and regional economy, attracting and retaining major employers and good jobs, and creating partnerships between business and government. Previously, Ms. Foust had a twenty-year career with Alsace Development International USA, Inc. As Executive Vice President & Treasurer of the Corporation she managed offices in Boston, Los Angeles, Redwood City and Sydney, Australia.
Ms. Foust served for twelve years on the City Council in Redwood City, including as Mayor and Vice Mayor where she successfully negotiated the Development Agreement to bring Stanford University to the community, oversaw the building of a brand new Public Library in Redwood Shores, and approved a $90 million recycled water plant and secured funding to restore Bair Island. Ms. Foust also served on the boards of the San Mateo County Transportation Authority for ten years, five as Chair and seven years on the San Francisco Bay Restoration Authority.
Today Ms. Foust serves on the boards of the Bay Area Council Economic Institute, First Five San Mateo County, NOVA-Workforce Investment Board which encompasses northern Santa Clara County and San Mateo County, the Redwood City Improvement Association, Peninsula Television, the Supervisory Committee for Provident Credit Union, the Rutgers University Big Data Advisory Board, the San Mateo County Event Center-Fair Board of Directors, the RWC-SMC Chamber of Commerce and the San Mateo County Community College District Bond Oversight Committee. Ms. Foust has been honored by the San Francisco Business Times as one of the "Most Influential Women in Business in the Bay Area" from 2009 until the present.